if you are sued - time is of the essence
If you live in Hill, McLennan, Bell, Bosque, Coryell, Limestone, or Falls county
and are being sued on a defaulted debt such as a credit card or repossession I
will discuss defending you.*
My fee for defending debt buyer lawsuits is flat rate to avoid uncertainty of
incurring unexpected legal bills. Fees usually range from $650.00 to
$1,500.00 depending on the facts and amount of the debt being sued for. Call
immediately!
If you fail to respond timely and correctly to the lawsuit, and any discovery
sent to you, you may lose your case based on legal technicalities, even if you never owed the
money, and even if the statute of limitations had expired.
Debt buyers purchase huge portfolios of charged off debts and often use
aggressive tactics to collect. They also file lawsuits in which they can have a
hard time winning when they are forced to produce admissible evidence pertaining
to the account and their ownership of it. Often they cannot prove their case
when forced to produce evidence.
One common ploy I have seen of debt buyers is to change the alleged date of last
payment to make it appear that the statute of limitations has not expired. I
have represented many people who have not made a payment on a specific debt in
more than four years, but the debt buyer has sent affidavits attached to
lawsuits claiming that the last payment was made within the last four years. The
adding of these fake payment histories is highly illegal, but often done anyway,
and will help the debt buyer win the lawsuit if no one contradicts this false
history. This is commonly known as re-aging and is illegal. I have also seen
many debt buyers use illegal threats in order to trick people into making a
payment and then make the flawed argument that the statute of limitations has
started over, and that the debt buyer now claims it has another four years
period to collect or sue the consumer.
If you are sued on an old debt, or threatened with suit, contact me immediately.
If you delay in your legal defense you may lose and owe a debt that you did not
really owe, or one that was barred for suit by limitations, or to which other
defenses existed. If the debt buyer has used illegal tactics, you may be
entitled to money damages, and your attorney fees. We can discuss your rights
against those who made these threats.
If I take your collection harassment case:
no attorneys fees, court costs, or expenses unless you recover. Fees on bankruptcy and debt defense cases are on a case by case basis.
* If you have been sued I cannot begin to represent you or file an answer to your
lawsuit until you have met with me and signed my contract that sets out the
terms of representation. No action will be taken on lawsuits or documents
dropped off, emailed, faxed, or delivered to my office without meeting with me
personally.